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The key word here being ‘majority’. Regardless of your political persuasion, the key concern of all businesses in the run up to the last election was the uncertainty caused by a hung parliament. Right up until the exit polls on May 7th this was considered the most likely outcome, but was thankfully avoided. We’ve ended up with a relatively strong Conservative government, keen to take the centre ground. While the National Living Wage caused some concern this should be largely offset for smaller businesses with the increase in the employer national insurance allowance to L3,000 per year, along with future falls in the corporation tax rate. The Liberum AltFi Volume Index UK shows nearly L1.2 billion in small business lending in 2015 representing annualised growth of 119 per cent.

Despite the headwinds of fiscal austerity, collapsing commodity prices and the ongoing Euro crisis, Britain remains one of the fastest growing large economies in the world. The latest OECD forecasts put Britain level pegging with the USA at 2.4 per cent real annual GDP growth, creating a robust environment for business growth. The Liberum AltFi Volume Index UK shows nearly L1.2 billion in small business lending in 2015 representing annualised growth of 119 per cent.

Profesjonalizm i doświadczenie

2015 was the year alternative finance providers came to dominate small business lending. The Liberum AltFi Volume Index UK shows nearly L1.2 billion in small business lending in 2015 representing annualised growth of 119 per cent. Alternative lenders are starting to become the lenders of choice for SMEs, with Funding Circle third behind RBS and Lloyds in terms of volume of new business loans.

The 0.5 per cent apprenticeship levy was an unwelcome announcement for big businesses in the Autumn Statement and is set to raise L3 billion annual tax revenue from 2017. However, the Federation of Small Businesses reported in September that skills shortages were reported by over a third of SMEs. We’ve ended up with a relatively strong Conservative government, keen to take the centre ground. While the National Living Wage caused some concern this should be largely offset for smaller businesses with the increase in the employer national insurance allowance to L3,000 per year, along with future falls in the corporation tax rate. The Liberum AltFi Volume Index UK shows nearly L1.2 billion in small business lending in 2015 representing annualised growth of 119 per cent.

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SaaS accounting platform Xero announced it has reached 100,000 licences in the UK, nearly reaching Sage’s reported total of 130,000 users. A study by PANALITIX reported that 11 per cent of UK firms are using cloud accounting packages, with accountants reporting that they expect that to increase to 35 per cent in 2016. Firms on cloud accounting enjoy multiple productivity benefits, including automated bank data feeds and e-invoicing, helping to improve financial controls and gain access to finance.

The 0.5 per cent apprenticeship levy was an unwelcome announcement for big businesses in the Autumn Statement and is set to raise L3 billion annual tax revenue from 2017. However, the Federation of Small Businesses reported in September that skills shortages were reported by over a third of SMEs. We’ve ended up with a relatively strong Conservative government, keen to take the centre ground. While the National Living Wage caused some concern this should be largely offset for smaller businesses with the increase in the employer national insurance allowance to L3,000 per year, along with future falls in the corporation tax rate.